LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

Announcements

  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.

Our office will be closed on the following dates:

  • March 30, 2018 – Good Friday – Happy Easter
  • April 20, 2018 – Company Event
  • May 28, 2018 – Memorial Day
  • July 4, 2018 – Independence Day
  • September 3, 2018 – Labor Day

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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Health Insurance

Protecting you and your family through all stages of your life.
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Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
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Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
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Recent News & Updates

In the first place: Living large in a starter house

Posted: April 19, 2018

Getting into the housing game for the first time? The kind of house you’re looking at might be what your real estate agent calls a starter house. What that starter house looks like will depend on your income, but in general, it’s the house you can afford as a first-time homebuyer, which typically means a smaller house, something on the scale of 1,000 to 1,800 square... Read Article

Does My Auto Insurance Cover Rental Cars?

Posted: April 18, 2018

When it comes time to rent a car, here are two common questions that customers often ask us. Do I need to buy the insurance offered by rental car companies? If I am in a car accident and need to rent a car, am I covered?   Let’s find out the answers. Insurance offered by rental car companies You’re standing at the rental car counter... Read Article

Quick Ways to Spot Phishing Messages Targeting Your Business

Posted: April 15, 2018

Gone may be the days when phishing attempts were easy to identify. While malicious messages are nothing new, they’re becoming more sophisticated and harder to pick out from legitimate business communications. A few simple clicks in one of these emails can develop into a problem that spreads quickly across digital channels and devices, but there are things that you can do to defend against phishing... Read Article

Speak! How to Decode Dog Body Language

Posted: April 9, 2018

All relationships are about communication. Without the luxury of language, a dog uses physical cues to tell you how he’s thinking and feeling. Avoid getting lost in translation by learning to read a dog’s body language – especially if he’s trying to say, “Back off!” National Dog Bite Prevention Week® takes place during the second full week of April each year. You can avoid and... Read Article